Gold Loan Portfolio Analysis
Muthoot Money Muthoot Finance
Key Financial Parameters
Particulars
Number of branches
Number of Employees
(in millions)
Q1 FY 2023
Q4 FY 2022
Q1 FY 2022
FY 2022
124
66
11
66
553
365
143
365
Gross Loan AUM (*)
1,976
2,071
3,326
2,071
Capital Adequacy Ratio(%)
47
46
33
46
Total Revenue (*)
113
118
106
456
Total Expense (*)
112
98
108
544
Profit Before Tax (*)
1
20
(2)
(88)
Profit After Tax (*)
1
15
(1)
(66)
Stage III Loan Assets
155
137
627
137
% Stage III assets on Gross Loan Assets (AUM)
7.84
6.62
18.85
6.62
Stage III ECL Provision
68
51
37
51
ECL Provision
79
61
189
61
ECL Provision as a % of Gross Loan Assets
4.00
2.95
5.68
2.95
(AUM)
Shareholders Funds (*)
1,036
1,035
1,099
1,035
Total Outside Liabilities (*)
1,203
1,233
2,207
1,233
Total Assets (*)
2,239
2,268
3,306
2,268
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